i dont hate her characterisation in particular, but everything combined reads like such a ...

Tbh I think it's a very well written self-insert because she has so many personality flaws that it doesn't make her seem like a mary sue lol

i dont think her "selfishness" is a character flaw per se, if thats what you're referring to. a lot of doormats wish they can say no that easily haha. the only real flaw i can think of is her not passing whatever exam she's been studying for lol

I feel like her apathetic nature as well as her not being able to understand why she should help someone without return is a flaw itself. But I totally get what you mean. Still, I prefer this instead of the cliche romance fantasy where the mc is so pressed over changing the storyline. It's not everyday that I finally see a mc with a god complex who puts themself first despite having the power to change something. (▰˘◡˘▰)